Standard crypto is a digital holding created to work as a medium of trade. crypto-coins are added through mining. Anyone is able to get involved if they have a a computer. Mining uses a lot of time and electrical energy, though. A high-powered machine is also needed, to mine profitably. Conversely, Ripple is a centralised asset, which cannot be mined. A fixed number of units were made by the firm and this number will not be added to.